Cash advance app rules in Arizona

Fees

• Per the opinion, a provider may charge fees listed in A.R.S. 6-635 without the product becoming a "consumer loan", because those fees are excluded from "finance charge" (A.R.S. 6-601(11)).

Other rules

• Summary answer: "No. An EWA product that is offered as a no-interest and non-recourse product does not fall within § 6-601(7)'s definition of 'consumer loan'."
• Non-recourse, as defined in the opinion: no legal or contractual right to repayment, no debt collection, no sale of unpaid balances, and no credit bureau reporting.
• EWA bills that would add a new Chapter 18 to Title 6 (SB 1273 in 2024, SB 1582 in 2025, HB 2309 in 2026) were found. The current A.R.S. Title 6 index shows no Chapter 18.

Enforcement and official actions

• 2022-12-16 Arizona Attorney General, opinion. Attorney General Opinion No. I22-005 (R22-011), issued to Sen. Jeff Weninger: no-interest, non-recourse EWA is not a consumer loan, so no consumer lender license is required. Official document

A complaint or lawsuit contains allegations; it is not a finding unless a court or agency says so.

What we could not confirm

• Final status of HB 2309 (2026): the bill status page was not checked. The A.R.S. index shows no EWA chapter.